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Message: [QUOTE="Peacefrog, post: 5283325, member: 986"] Probably easier said than done however. The number of employers offering defined benefit programs has plummeted and continues to decline. Also, this approach would really limit the kind of work you could pursue and/or where you live. For example, teaching is one of the few occupations that still offers pensions and here in North Carolina, spouses that both teach can hardly make ends meet. Federal jobs are currently being slashed if I'm reading the headlines correctly. Didn't some of the airlines win a decision in court that allowed them to reduce "guaranteed" pension payouts? These are hardly stress-free situations. Investing in 401k's hasn't been particularly stressful (for me) and it is probably easier to find an employer that offers 100% matching than one that offers a pension. Max out your contributions and look the other way during volatility if it bothers you. You're virtually guaranteed to make out over the course of your career. I prefer this approach to drastically limiting my choices of employers or type of work. Financially, I could retire early but I genuinely enjoy my work so I keep feeding my savings/investments and watch them grow. Find work that you enjoy whether or not it is defined benefit or defined contribution. [/QUOTE]